F FRME

First Merchants Corp

$39.43

+0.25% (+$0.10)

Volume 423,885

52W High $43.22

52W Low $33.13

Market Cap $2.49B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$0.97

Whisper EPS

$1.00

2.9% above consensus

Last Quarter

$0.98

Current Streak

6 Beats

Avg Surprise (4Q)

+3.15%

Next Earnings Report

Reports in 15 days

Report Date Apr 22, 2026

Time AMC

Whisper Spread +2.92%

Consensus Estimate

$0.97

Official analyst average

Whisper Number

$1.00

What traders expect

Bullish Sentiment: The whisper number is 2.9% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 28, 2026

1-Day: +2.80%

5-Day: +8.00%

Q3 2025 Oct 30, 2025

1-Day: -0.78%

5-Day: -0.25%

Q2 2025 Jul 23, 2025

1-Day: -3.66%

5-Day: -2.91%

Q1 2025 Apr 24, 2025

1-Day: -2.58%

5-Day: -1.62%

Revenue & Financial Performance

Revenue Whisper

$279.0M

TWN Proprietary Estimate

Last Quarter Revenue

$269.8M

+4.8% YoY

Gross Margin

60.9%

Net Margin: 21.2%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$269.8M	+4.8%	60.9%	24.3%	$57.1M
Q3'25	$267.6M	+0.6%	60.5%	24.4%	$56.8M
Q2'25	$261.0M	-2.5%	60.8%	25.0%	$56.8M
Q1'25	$252.6M	-3.8%	61.8%	25.0%	$55.3M
Q4'24	$257.4M	-2.3%	59.4%	29.8%	$64.3M
Q3'24	$265.9M	+3.5%	56.8%	21.2%	$49.2M
Q2'24	$267.7M	+8.1%	50.6%	16.4%	$39.9M
Q1'24	$262.5M	+13.5%	57.8%	20.9%	$47.9M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 28, 2026	$0.94	$0.98	$0.98	+4.07%	Met
Q3 2025	Oct 30, 2025	$0.97	$1.01	$0.99	+2.06%	Missed
Q2 2025	Jul 23, 2025	$0.95	$0.98	$0.98	+3.16%	Met
Q1 2025	Apr 24, 2025	$0.91	$0.94	$0.94	+3.30%	Met
Q4 2024	Jan 30, 2025	$0.90	$0.89	$1.00	+11.11%	Beat
Q3 2024	Oct 24, 2024	$0.90	$0.90	$0.95	+5.56%	Beat
Q2 2024	Jul 25, 2024	$0.80	$0.81	$0.68	-15.00%	Missed
Q1 2024	Apr 25, 2024	$0.82	$0.81	$0.85	+3.66%	Beat
Q4 2023	Jan 25, 2024	$0.87	$0.88	$0.87	+0.00%	Met
Q3 2023	Oct 26, 2023	$0.94	$0.93	$0.95	+1.06%	Beat
Q2 2023	Jul 25, 2023	$1.02	$1.03	$1.02	+0.00%	Met
Q1 2023	Apr 25, 2023	$1.14	$1.18	$1.07	-6.14%	Missed